Nationwide vs. American Family Insurance

Which insurance carrier is right for you? Compare pros & cons, cost, and quotes from Nationwide and American Family.

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Nationwide vs. American Family: What You Need to Know

Murray D. Lincoln formed the company the Farm Bureau Mutual Automobile Insurance Company with the goal of selling auto insurance at low rates for farmers in Ohio. In 1926, the first policy was sold. In 1928, Farm Bureau Mutual begins to expand into other states including West Virginia, Maryland, Delaware, Vermont, and North Carolina. By 1934, the company was insuring motorists in metropolitan areas and writing property insurance policies too and by 1943 was operating in 12 states and the District of Columbia. It was in 1955 that the company changed its name to nationwide, with an expansion into 20 new states. In 1982, Nationwide acquires a 100-year-old company and America’s leading farm insurer and goes public in 1997. In the year 2000, the Nationwide Arena opens and becomes home to a National Hockey League franchise, the Columbus Blue Jackets. In 2007, the Nationwide Bank opens. Today, Nationwide is a Fortune 100 company with a full range of insurance and financial services across the country, including car, motorcycle, boat, homeowners, pet, farm, life and commercial insurance, annuities, mortgages, mutual funds, pensions, long-term savings plans, and specific health services.

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Nationwide Overview and American Family Overview.

Nationwide vs. American Family: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Nationwide and American Family. On average, Nationwide charges approximately $215.83 per month while American Family comes in at around $162.37 per month. For Nationwide, the cheapest state average is North Carolina at $97.28 per month and the most expensive is New York at $350.97 per month. For American Family, the cheapest state average is Ohio at $93.23 per month and the most expensive is Nevada at $346.70 per month.

Nationwide

Average Rate

$215.83
American Family

Average Rate

$162.37
National

Average Rate

$120.51
State Nationwide American Family
Alabama $141.17 -
Arizona $204.58 $163.30
Arkansas $132.46 -
California $264.46 -
Colorado $176.12 $206.17
Connecticut $183.22 -
Delaware $177.56 -
District of Columbia $236.41 -
Georgia $183.27 -
Idaho $125.00 $110.33
Illinois $150.08 $223.49
Indiana $133.28 $142.88
Iowa $111.67 $103.92
Kansas $140.33 $148.09
Kentucky $253.23 -
Maryland $209.43 -
Michigan $340.44 -
Minnesota $191.31 $131.55
Mississippi $144.36 -
Missouri $161.82 $159.27
Nebraska $122.84 $143.17
Nevada $331.23 $346.70
New Hampshire $128.30 -
New York $350.97 -
North Carolina $97.28 -
North Dakota- $137.71
Ohio $121.53 $93.23
Oregon $131.69 $149.31
Pennsylvania $132.29 -
Rhode Island $228.30 -
South Carolina $140.60 -
South Dakota- $121.62
Tennessee $153.25 -
Texas $241.84 -
Utah $133.67 $181.10
Vermont $103.23 -
Virginia $149.13 -
Washington $137.60 $182.08
West Virginia $186.82 -
Wisconsin $120.11 $104.14

Nationwide vs. American Family: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Nationwide and American Family typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Nationwide American Family
1 Vehicle $201.41 $150.93
2 Vehicles $269.20 $204.66
3 Vehicles $408.74 $278.07
4 Vehicles $479.43 $

Nationwide vs. American Family: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Nationwide charges $196.43 per month and American Family charges $155.50 per month for customers who own their home.

Own/Rent Nationwide American Family
Own $196.43 $155.50
Rent $223.95 $165.31

What is Nationwide and American Family Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Nationwide and American Family ranked among the industry ratings.

ComparisonNationwideAmerican Family
Year Founded19251927
Market Share2.7%1.91%
A.M. Best RatingA+A
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageAbout Average
Moody’s RatingA1
NAIC Complaint Index0.380.64
S&P RatingA+A

Nationwide or American Family: Insurance Products Offered

What coverage is available through Nationwide and American Family? Both insurance companies offer Auto, Commercial, Farm, Health, Home, Life, Motorcycle, and RV insurance. Additional products from American Family insurance also includes Condo, Renters, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Nationwide and American Family Insurance page.

InsuranceNationwideAmerican Family
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Nationwide or American Family: Ways To Save

American Family offers a wide range of discounts to its policyholders, including Claims-free Pricing, Generational, and Good Student discounts. In contrast, Nationwide also offers a few discounts that American Family doesn’t, including SmartRide, Passive Occupant Restraint, and Paperless Documents discounts. Start taking advantage of discounts offered by insurance providers like American Family and Nationwide insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

NationwideAmerican Family
Accident-free DiscountAway at School Discount
Advance Quote DiscountClaims-free Pricing
Affinity Car Insurance DiscountsGenerational Discount
Anti-theft DiscountGood Student Discount
Defensive Driving DiscountKnowYourDrive
Easy Pay DiscountLoyalty Discount
Farm Bureau DiscountMulti-product Discount
Good Student DiscountSmart Home Discount
Long-term Policyholder DiscountTeen Safe Driver Discount
Multi-policy DiscountYoung Volunteer Discount
Nationwide Family Plan
New Vehicle
Paperless Documents
Passive Occupant Restraint Discount
SmartRide Discount

Pros & Cons of Nationwide & American Family

Pros

Nationwide
  • Up to 20% off when you bundle home, auto, life and other policies with Nationwide.
  • Big savings for safe driving history.
  • On Your Side Auto Repair Network guarantees workmanship on repairs.
  • Vanishing deductible.
American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyftdrivers.

Cons

Nationwide
  • High rates for people with an imperfect driving history.
  • Credit check in most states.
American Family
  • American Family Insurance only serves 19 states.

Nationwide or American Family Mobile Apps Options

The Nationwide Mobile App for Android, iPhone and iPad lets you access accounts on the go. The app features fingerprint and facial login to a dashboard where you make payments, manage payment methods and save or share ID cards with drivers on your policy. You can also file a claim and check on its status. The app comes fully equipped to connect with roadside assistance too.

The American Family mobile app is available for iOS and Android. CalledMyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

Nationwide Mobile App
iOS     3.63K user reviews
Android     4.31.4K user reviews
American Family Mobile App
iOS     4.830K user reviews
Android     4.43.5K user reviews

Nationwide & American Family Contact Info

Nationwide Contact Info
AddressP.O. Box 742522, Cincinnati, OH 45274-2522
Phone1-877-669-6877
Websitehttps://www.Nationwide.com
Facebookhttps://www.facebook.com/nationwide/
Twitterhttps://twitter.com/Nationwide
Youtubehttps://www.youtube.com/channel/nationwide
Linkedinhttps://www.linkedin.com/company/nationwide/
American Family Contact Info
Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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